Security. I'm quite happy as an iPhone user to have Apple be the only ones in the loop for NFC payments. I'm generally happy with all other restrictions mentioned in the suit (no 3rd party app stores, no super apps, etc). It seems that this suit is brought on behalf of other companies (device and app makers, etc) and has a tenuous benefit to the public. There is a fair alternative available in Android for those who don't want to be in the iOS ecosystem.
FWIW I use Linux on my desktop computer, believe in open source, etc. Since mobile phones have become much more than phones and are now a sort of master key to your entire life, I am happy to have that key reside in as high a trust environment as I can find.
Why do you think a banks NFC payment app might not be secure? If ios is a platform then another NFC app could be as secure. Regardless, users should be given a choice. You can continue using Apple Wallet app, some other users might prefer other apps.
The concern is bad actors - that some random app (not your bank) gets access to NFC.
Choice isn't always good. Especially where consumers don't really understand all the implications. My mom doesn't benefit from choice here, she is actively harmed by it, she knows it, she uses Apple to avoid it.
Your mom already chooses to use Apple for this reason, so presumably would also not use a third-party App Store or sideloaded apps, so she could still benefit from the Apple security blanket even while theoretically having choice.
Yeah, though hopefully there is some sort of warning (or setting that prevents sideloading when enabled) that makes her think twice. Or, you could perhaps make her a “kids” profile unable to install anything without permission.
Honest question: Do you have any example that the approach Android takes to the NFC stack enables exploits that are not possible on iOS in regard to NFC payments?
I don't have an example, but I believe your question supports my point. From everything I've observed, Apple is generally better at providing a secure ecosystem than the variety of major parties that comprise the Android ecosystem. So if I remain in the Apple ecosystem I'll need to devote less energy to answering questions like the one you've asked than otherwise.
Ok, that is fair and there can be a difference in opinion between making such choices more based on subjective opinion and personal feeling vs. basing that mainly on evidence and I do not want to dismiss the former. I understand that the convenience and peace of mind of a solution one trusts have value, and I do not discount those facts, even if I take a different approach to this situation, digging into White papers and whatnot, partly for enjoyment and personal interest. I can even recommend the Apple Platform Security Guide [0]. It's quite a good read, actually.
But no one would force you or anyone else to leave that Apple ecosystem you hold in high regard. There would simply be more opportunity for alternatives that, if they are well implemented, may even provide such a robust product for such a long time that even devoting little energy to the decision on security grounds may make it more appealing than Apples. Or maybe some feature, such as the one I described for accessing banking institutions after office hours, might make such an impact on your situation, that you become more open to those additional choices. And if not, again, you may stick with Apple all the same.
> But no one would force you or anyone else to leave that Apple ecosystem you hold in high regard. There would simply be more opportunity for alternatives
“Opportunity for alternatives” is not free. There will be a trade off to enabling it, and my perception is that it’ll negatively affect those who are happy with the status quo.
If the current trade-off is considered anticompetitive, there may be enough incentive to create a new model. Bell telephone offered free long distance calls on their network, the happiness of their customers didn't protect them when regulators started questioning how competitive Bell's strategy was.
Maybe it will negatively affect those who are happy with the status quo. That has no bearing on the righteousness of a person or company's actions, especially if they're in a position to deny competitors market access.
With respect, this second part is so dependent on "well implemented" and a party acting in good faith (ie not being a scam) that it's basically a worthless argument.
I don’t know what you’re referring to. Trust is a fundamental part of security. Without trust you need to be ever vigilant in an ever expanding set of domains and technologies, or you have to shrink your vulnerability surface area down to something that you can at all times personally comprehend and manage. This will not work for 99.99% of the population.
If you pry up the pavement on the way to hell, you'll find good intentions underneath. Trust whoever you want, but don't turn around and make claims you're unwilling to defend. The security Apple offers is far from unconditional - the plethora of iPhone-related data leaks is a dead horse well-beaten on this site.
For your safety, I hope the government looks out for you. Because nobody else is going to do your due diligence, evidently not even yourself.
No no, peace of mind has no value. Just ask the big brains at the DOJ. Safety, peace of mind, convenience - these are zero value items. Only choice matters.
Sorry, that was a joke. I should have lathered on more obvious sarcasm. The DOJ don't understand very basic computer security. It's disgraceful. Agree with everything you say here - the antitrust regulators seem to have forgotten who they are supposed to be protecting - consumers, not apple competitors.
The fee is paid by card issuers. It's 0.15% for cc and 0.5 pennies for debit cards. Card issuers take a large chunk of change in interchange fees, this is a tiny, tiny proportion of it. Even if they managed to pass the cost on (which they almost certainly cannot given the nature of that business), spread across it might be 0.00000x % increase in costs. And, it's quite likely to actually reduce costs for card issuers due to reduced fraud and reduced physical card issuance (those cards actually cost money to produce).
And once you get into grad school they teach that those nice little graphs you drew in high school and undergrad were simplifications of the real world, and whether costs are passed on or not is very dependent on the specifics of the market. And then you hit the real world and realize, it's even more complex again when the costs are felt for some subset of transactions and not others, there are multiple parties to a transaction, etc etc.
I question the governments decision to include this in the complaint. Surely Visa's 2-3% fee has a greater impact on the wider economy than Apple's 0.15%.
While that may be true for nfc payments, a lot of the accusations in the document are excused by Apple using bad-faith arguments in the name of security. Then there’s the 30% tax, which is just anticompetitive extortion.
FWIW I use Linux on my desktop computer, believe in open source, etc. Since mobile phones have become much more than phones and are now a sort of master key to your entire life, I am happy to have that key reside in as high a trust environment as I can find.